Usda Housing Assistance · A USDA home loan is a 100% financing (zero down payment) mortgage offered by the U.S Department of Agriculture to home buyers in less densely populated areas of the country. Eligibility is.Usda Mortgage Loan Guidelines USDA Loan Requirements 2019 – USDA Rural Development Loan. – USDA Loan Credit Requirements. The minimum credit score needed to get a USDA loan is 640 (prior to 2017, this was 620). However, this is the minimum credit score required for an automated approval. If your credit score is below a 620, but you have sufficient "compensating factors", you may still be able to get a USDA loan.
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